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If commercial banks have ample excess reserves

2022-08-06 13:56:48 问答库 阅读 179 次

问题详情

If commercial banks have ample excess reserves, a lower discount rate will______.
A.encourage them to borrow more
B.encourage them to raise interest rates on loans
C.have little impact on bank behavior
D.increase bank reserves请帮忙给出正确答案和分析,谢谢!

参考答案

正确答案:C
解析:答案为C项。降低再贴现率原意在降低商业银行向央行进行借款的成本,但由于本题中商业银行已经有巨大的超额储备金,本身已具备较强的放款能力,此时再贴现政策的实施对商业银行基本没有影响力。故本题选C项。

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